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My marina has fixed docks and lots of high-windage power boats.
My plan is to move the boat to a sheltered creek; transit time is about two hours to "my" spot so I leave a little early. Fortunately I have friends nearby so an overreaction on my part is not a big deal. If the storm really starts to come up the Bay I'll let some air out of the tubes of my RIB and swamp it behind the boat with doubled lines from the bow tow ring and the inside lift ring (haven't thought of anything better to do with the dinghy).
Main and jib come off and go in the v-berth. Bimini is folded down and zipped into its cover and the whole mess lashed down. The dodger stays up (I have a fixed windscreen with a small horizontal canvas cap). There is risk of damage of course, but the profile is low and it gives me a spot to get my bearings before and after running around the boat to check for chafe.
I hang on two oversized anchors, one on all chain with two nylon snubbers and one with a combination rode.
I liveaboard and this is my home. Insurance or not, I stay aboard to try as best I can to protect it.
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